bunq Free
The essentials to get you started.
Your new bank account, ready in just 5 minutes
100% online - no branch visits, no paperwork
Just download the bunq app and sign up from anywhere.
Start without tax ID
No tax ID? No problem. Start banking right away and provide it within 90 days.
Earn up to 2,51% interest - paid out weekly
Boost your savings with 2,51% interest on EUR, and 3,01% on USD and GBP
Bank account & Savings account
Take your budgeting to the next level by organizing your finances with up to 3 dedicated money pots. Each with a unique IBAN, so you can easily transfer money and even use them for direct debits.
2,51%* interest paid out weekly
Make your savings grow faster with a highly competitive interest rate. Earnings get paid out weekly, so you benefit from compound interest and reach your goals even quicker.
Everything in an instant
From instant notifications to real-time limit control, bunq makes it all lightning quick. Open your account in minutes, instantly create your card, and start spending right away.
Get your Virtual Credit Card
Every bunq user gets a Debit or Credit Card. That means no interest fees or annual charges! Create it instantly in the bunq app, top it up and add it to your Apple Pay or Google Pay right away. You can start making mobile payments today!
Effortless payment management
Simplify outgoing payments with AutoAccept and Scheduled Payments. Automatically approve requests from trusted contacts and allow them to schedule payments in advance.
Safely buy and sell crypto
Get started with crypto safely, right from your bunq app. Choose from the top cryptocurrencies—buying and selling takes just a tap.
Grow your wealth
Invest on the go with the bunq app. Start with just €10 and enjoy zero fees for the first 3 months.
Get the best exchange rate abroad
Spend smarter with ZeroFX. Use your bunq bank debit or credit card to get great value on purchases in currencies outside the Eurozone. Up to €1,000 per year for bunq Free users.
Instant Support, when you need it
Get answers instantly, with no waiting and no delays. Our support is available 24/7, so you can resolve your questions in seconds. Jump straight into chat and get the help you need anytime.
Offset your CO2
We’re planting 30 million trees! Spend with your bunq card and earn trees as you go. With veritree, each tree is planted at the right time, in the right place, and carefully tracked as it grows. You’ll be able to follow your trees and see the positive impact they make over time.
Trusted by millions of users
Insured up to €100,000
Your money is protected by the Dutch Deposit Guarantee Scheme (DGS).
Card Payment Refunds
Your money is protected if something doesn't go as planned.
Instant Payments
Send and receive money instantly, no waiting.
24/7 support
Instant help in your language, whenever you need it.
Frequently Asked Questions
Is bunq Free this a free bank account?
The bunq Free plan is free! It is the perfect plan with all the essentials to get you started! Simply download the app, set it up in just 5 minutes and deposit any amount you like. You can also withdraw money up to 2 times a month and you even get a little taste of how bunq makes life easy.
Of course, to truly experience life without the hassle of money admin you can always upgrade to bunq Core, bunq Pro or bunq Elite in seconds. All the benefits of bunq Free apply to our other plans as well. ✨
You can see all of the cool plans we currently provide here
What are the main features of bunq Free bank account?
The free bank account at bunq gives you all the essentials to get you started, all without monthly costs. Here’s what you get:
💸 Essential Banking Features
A combination of 3 bank accounts – Choose between a Savings Account, Multi-currency Savings, Multi-currency Bank Account, or a regular Bank Account.
Instant Payments – Send and receive money instantly, anytime.
Scheduled Payments – Automate transfers with ease.
bunq.me Requests – Create personalized payment requests and get paid faster.
Apple Pay & Google Pay – Pay seamlessly with your phone.
(Instant) IBAN to IBAN Transfers – Move money quickly across accounts.
🌍 Save & Spend Smart
Virtual Card – Instantly access a Virtual Card for online payments with Apple Pay or Google Pay, at no extra cost.
Foreign Currency Payments – Spend in multiple currencies effortlessly.
ZeroFX – Exchange up to €1,000 per year with zero fees.
MassInterest – Earn interest on your savings, paid weekly:
Up to 2.51% for EEA residents.
Up to 3.01% for savings in USD and GBP.
🌱 Make an Impact
• Planting Trees as You Go – For every €1,000 spent with your bunq card, a tree is planted to help offset your CO2 footprint.
🚀 Extra Perks & Convenience
Tap to Pay – Accept card payments directly with your phone.
eSIM – Save up to 90% on roaming costs when you travel.
bunq Web – Manage your finances from any device.
Joint Accounts – Share an account with friends or family.
Group Expenses – Easily track and split costs with others.
🔒 Security & Peace of Mind
Biometric ID – Secure login with fingerprint or Face ID.
Deposit Protection – Your funds are safe and insured.
Instant Notifications – Stay on top of your transactions.
24/7 Support – Get help whenever you need it.
Can I also switch to another account at a later stage?
Of course, to truly experience life without the hassle of money admin you can always switch to bunq Free, bunq Core, bunq Pro or bunq Elite in seconds. ✨
How does bunq protect my bank account?
At bunq, your security is our absolute priority. Throughout our entire history, not a single cent has been lost due to a security breach. Our state-of-the-art security systems are designed to protect you and your money at all times.
Real-time monitoring: Our systems constantly watch for suspicious activity.
Instant account lockdown: If anything seems out of the ordinary, we can quickly secure your account to prevent unauthorized access.
Robust security protocols: We follow industry-leading best practices and continuously update our systems to ensure your data and money remain protected.
Want to learn more? Follow the link below
Compare our plans
bunq Free
The standard bank account
bunq Core
The bank account for everyday
bunq Pro
The bank account that makes budgeting easy
bunq Elite
The bank account designed for your international lifestyle
Start your 30-day free trial
Open your account in just 5 minutes, directly from your phone.
